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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,075 | $24,891-79.6% | $69,632-92.7% | $74,478-93.2% |
| Participation rate | 79.9% | 63.4%+16.4pp | 66.4%+13.4pp | 67.2%+12.6pp |
| Annual return | 43.88% | 18.53%+25.3pp | 101.32%-57.4pp | 1370.56%-1326.7pp |
| Employer contribution / active EE | $460 | $1,005-54.2% | $1,708-73.1% | $2,626-82.5% |
| Participant deferral / active EE | $1,920 | $1,908+0.6% | $2,889-33.5% | $4,350-55.9% |
| Admin fee / account holder | $934 | $1,904-50.9% | $4,695-80.1% | $1,946-52.0% |